CITI PAYLITE INSTALLMENT PLAN

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0% Citi PayLite up to 24 months is available for the new Samsung Galaxy S6 edge+ and Galaxy Note5 at the following participating Samsung Experience Stores until November 30, 2015.

1 0% Citi PayLite up to 24 months is available for the new Samsung Galaxy S6 edge+ and Galaxy Note5 at the following participating Samsung Experience Stores until November 30, Branch SM NORTH EDSA SM MEGAMALL SM MOA SM PAMPANGA ROBINSON'S ERMITA GLORIETTA SM MARIKINA SM AURA GAISANO MALL DAVAO SM SAN LAZARO AYALA CENTER CEBU SM BACOLOD SM CEBU SM STA. ROSA AYALA CENTRIO MALL SM MARILAO SM STA. MESA SM DAVAO SM LANANG PREMIERE KCC MALL GENSAN FESTIVAL MALL ROBINSON'S GALLERIA Address 4F ANNEX BLDG 1COR EDSA BAGONG PAG ASA QUEZON CITY 4F BLDG B ORTIGAS AVE.WACK WACK MANDALUYONG CITY 2FMAIN MALLDIOKNO BLVD 076 PASAY CITY G/F SM PAMPANGA MAIN MALL SAN FERNANDO PAMPANGA 3F MIDTOWN WING PEDRO GIL ERMITA MANILA 3F GLORIETTA 3 AYALA CENTER SAN LORENZO MAKATI CITY G/F SM MARIKINA CYBERZONE MARCOS HIGHWAY MARIKINA RIVERBANK CENTER MARIKINA CITY 2F SM AURA C5 ROAD COR MH DEL PILAR BONIFACIO GLOBAL CITY TAGUIG CITY 3F GAISANO MALL DAVAO J.P., LAUREL AVENUE, BAJADA DAVAO DAVAO CITY 3F SM CITY SAN LAZARO LACSON ST. STA CRUZ STA. CRUZ MANILA 3F AYALA CENTER CEBU BUSINESS CENTER CEBU CITY 2F SM CITY ILOILO RIZAL AVENUE BARANGAY 12 BACOLOD CITY 2F NORTHWING JUAN LUNA NORTH RECLAMATION AREA CEBU CITY 2F SM STA. ROSA OLD NATIONAL HIGHWAY BRGY TAGAPO STA. ROSA 3F AYALA CENTRIO MALL CM RECTO AVE.24 POBLACION CAGAYAN DE ORO CITY 2F SM MARILAO MARILAO BULACAN 3F SM CITY RAMON MAGSAYSAY BLVD. COR ARANETA AVE.DOǸA IMELDA QUEZON CITY 2F ANNEX BUILDING ECOLAND TALOMO DAVAO CITY 3F SM LANANG PREMIERE DAVAO LANANG DAVAO CITY 2FKCC MALL GENSANJOSE CATHOLICO AVENUE LAGAO GENERAL SANTOS CITY 3F FESTIVAL MALL CORPORATE AVENUE ALABANG MUNTINLUPA CITY 1F EAST WING EDSA COR. ORTIGAS CENTER BRGY UGONG QUEZON CITY

2 SM CALAMBA SM GENSAN SM BATANGAS SM NAGA ISLAND CITY MALL (ICM) BOHOL LIMKETKAI MALL SM CONSOLACION ROBINSON'S MAGNOLIA BQ MALL BOHOL CITY ROBINSON'S BACOLOD FISHER MALL J CENTRE MALL CEBU 2F SM CALAMBA REAL CALAMBA BRGY REAL CALAMBA CITY 3F SM MALL SANTIAGO BLVD.LAGAO GENERAL SANTOS CITY 2F SM CITY BATANGAS PASTOR VILLAGE PALLOCAN BATANGAS CITY 2F SM CITY NAGA CBD II TERMINALTRIANGULO NAGA CITY 2/F ISLAND CITY MALL, DAMPAS ST., TAGBILARAN CITY, BOHOL 1F LIMKETKAI BLDG.LIMKETKAI DRIVEBRGY. 26 CAGAYAN DE ORO CITY 2F SM CITY CONSOLACION CEBU NORTH ROAD CONSOLACION CEBU CITY 3F ROBINSON'S MAGNOLIA CENTRAL GMA MANILA QUEZON CITY 4F BQ MALL CPG AVENUE BOHOL TAGBILARAN CITY 2F ROBINSON PLACE BACOLOD LACSON STREET MANDALAGAN BACOLOD CITY 4/F FISHER MALL, 325 QUEZON AVENUE, QUEZON CITY 2F JMC MALL CEBU CENTRAL VISAYAS CEBU CITY Per DTIFTEB SPD Permit No , S2015. CITI PAYLITE INSTALLMENT PLAN TERMS AND CONDITIONS In these s and Conditions ( s and Conditions ), Card means all credit cards issued by us, Citibank, N.A. (Philippine Branch) (also referred to as we, our, or us ), while you refers to the Cardholder or the person who has one or more Cards issued by us. Availing of Citi PayLite Installment Plan means you agree to the following s and Conditions: 1. The Citi PayLite Installment Plan is a Card facility that allows you to pay for select goods and services from accredited Citi PayLite merchants in the Philippines, together with the applicable interest and other fees, on installment basis ( Installment Transaction ). It is available for single-receipt purchases of at least P3,000. It is available only to Cardholders in good credit standing and is subject to approval based on the available Relationship Limit and Account Credit Limit, as applicable, at the time of purchase. 2. You may pay for your purchases via Regular or 0% Citi PayLite Installment Plan: a. Purchases availed under the Regular Citi PayLite Installment will be subject to the prevailing Citi PayLite interest rates which may change from time to time. The applicable interest rates at booking may also vary from time to time and for each particular Citi PayLite merchant. To check the applicable interest rates, ask and request for a written notice of the Citi PayLite terms of your chosen merchant before availing. Availing of the Citi PayLite Installment Plan means you agree to pay us interest on the purchase price of goods or services (Installment Transaction Amount) on the dates specified in the Statement of Account at the applicable converted monthly factor rate with a corresponding effective interest rate per annum based on the outstanding principal balance and the as follows:

3 RATES BELOW ARE SUBJECT TO CHANGE IN LINE WITH SPECIAL PROMOTIONAL OFFERINGS REGULAR PAYLITE CONVERTED MONTHLY FACTOR RATES Converted Monthly Factor Rate* Effective Interest Rate (Per Annum)** 3 months 1.74% 35.88% 6 months 1.54% 35.83% 9 months 1.58% 38.40% 12 months 1.50% 36.76% 18 months 1.66% 41.09% 24 months 1.69% 41.32% SPECIAL CONVERTED MONTHLY FACTOR RATES FOR SELECT AUTO, HOME IMPROVEMEMENT, HOSPITAL/MEDICAL, SCHOOLS & TRAVEL AGENCIES Converted Monthly Factor Rate* Effective Interest Rate (Per Annum)** 3 months 1.00% 19.46% 6 months 1.00% 22.29% 9 months 0.75% 17.13% 12 months 0.75% 17.48% 18 months 0.75% 17.71% 24 months 0.75% 17.72% SPECIAL CONVERTED MONTHLY FACTOR RATES FOR MARIE FRANCE, FACIAL CARE CENTER AND SVENSON Converted Monthly Factor Rate* Effective Interest Rate (Per Annum)** 3 months 0.75% 14.31% 6 months 0.75% 16.38% 9 months 0.75% 17.13% 12 months 0.75% 17.48% 18 months 0.75% 17.71% 24 months 0.75% 17.72% *The Converted Monthly Factor Rate is presented as a guide that you can use to derive the Monthly Installment Due (principal plus interest). **The Effective Interest Rates above are based on interest computed on a fixed 30-day period per month. The actual EIR may be higher or lower as the interest portion of your first monthly instalment due is computed based on the actual number of days between approval date and one day before statement date, which may be more or less than 30 days.

4 a. Subject to Section 5, the price of items purchased under the 0% Citi PayLite Installment Plan will be interest-free for the duration of the installment plan. The 0% Citi PayLite Installment Plan is available for selected items at 3, 6, 9, 12, 18 and 24-month terms or as otherwise specified by the merchant offering the 0% Citi PayLite Installment Plan. 3. The monthly installment due for your Installment Transaction ( Monthly Installment Due ) is included in the Minimum Amount Due in your Statement of Account until the total amount of the Installment Transaction and the applicable interest are paid in full. You may compute the Monthly Installment Due by using the following formula: Installment Transaction Amount x [1+(Converted Monthly Factor Rate x )] The Monthly Installment Due comprises the interest and principal components and is computed on a diminishing balance basis. The interest and principal components of the Monthly Installment Due vary each month and are computed as follows: Interest component: Prior month s outstanding principal balance x monthly Effective Interest Rate (EIR), where monthly EIR = (1 + Annual EIR) 1/12 1. Principal portion: Monthly Installment Due - interest component for the month. 4. The interest charge on the first Monthly Installment Due is computed based on the number of days between the approval date of the Installment Transaction and Statement Date, which is the date when your statement is generated after each billing cycle. The interest on succeeding Monthly Installments Due is computed based on a fixed 30-day period. This will result in the first Monthly Installment Due being different from succeeding subsequent ones. Citi PayLite Installment Plan Sample Schedule of Payment INSTALLMENT TRANSACTION AMOUNT 10,000 TERM 12 MONTHS 1CONVERTED MONTHLY FACTOR RATE 1.50% EIR 36.76% Month # of Days of Installment on balance Monthly Installment Due (Php) Interest component (Php) Principal component (Php) O/S Principal balance (Php) 0 10, , , , , ,210

5 , , , , , TOTAL 11,800 1,800 10, If you pay less than the Total Amount Due indicated in the Statement of Account, the unpaid portion of the Monthly Installment Due is subject to the prevailing monthly retail Interest Charge. Interest is compounded monthly. Usual Late Charges also apply. Furthermore, if your Card account is past due for 60 days or more, the Installment Transaction will be cancelled. Any remaining unpaid balance will be billed to the Card account in full and will be subject to the prevailing monthly retail Interest Charge. 6. If you wish to cancel an Installment Transaction before its ends, you may do so without a prepayment penalty. In that case, you agree to pay in full the unpaid portion of the Installment Transaction Amount and the cancellation processing fee equivalent to P300, plus Interest Charges on the cancelled Installment Transaction from the last Statement Date until the date of cancellation. In case of promotions where we give you premium items (which include promotional items, Usage Privileges, etc.), we may charge the full monetary equivalent of the premium item should you cancel the Installment Transaction. APPLICABLE FEES AND CHARGES: Cancellation Processing Fee = P You acknowledge that your Installment Transaction will be maintained for the stated in the sales slip or other documents furnished to you and that we have already incurred cost of funds and committed yield to fund sources to finance the Installment Transaction. In case you pre-pay any Installment Transaction before the lapse of the, you agree to reimburse us for any loss or additional cost, including but not limited to processing the pre-payment. 8. In case of (a) any change in law or regulations which gives rise to new additional taxes, higher reserve requirements or similar events, or (b) significant change in the economic environment, we may adjust any applicable charges and Installment interest even before the expires. 9. Upon your availment, we already pay for the goods or services in full. In the event that a Citi PayLite merchant from whom you purchased the goods or services for future delivery ceases to operate, you will still be liable to pay for all unpaid Citi PayLite Installments. 10. All Citi PayLite Installment purchases are subject to the Citi Card Agreement and all related provisions of the Citi Installment Facilities. 11. These s and Conditions should be read together with the Citi Card Agreement, to produce a result that is harmonious and consistent. In the event of any inconsistency or conflict between these s and Conditions and

6 the Citi Card Agreement, these s and Conditions will prevail in relation to the Installment Transaction Amount applied under the Facility.

10% off at Nike Park 0% Citi PayLite Promotion Terms and Conditions

10% off at Nike Park 0% Citi PayLite Promotion Terms and Conditions 1. The 10% off at Nike 0% Citi PayLite Promotion is available to all Citi Principal and Supplementary Cardholders whose Citibank Credit